Get an estimate online or use our banking app to apply for a loan of up to R500 000.

Representative example of Personal Loan



As an example, the estimated monthly repayments on a Personal Loan of R50,000 over 48 months at an interest rate of 22.00% per annum would be R1,741, which includes all service and initiation fees. Our interest rates are personalised, starting from a minimum of 12.25% per annum. Your personal loan will be granted subject to credit and affordability criteria 

Term Loan Rates And Fees


Term (months)
25 00012
50 00024
100 00048
250 00072
500 00084
Interest rate (%)
25 00012.25 - 27.75
50 00012.25 - 27.75
100 00012.25 - 27.75
250 00013.15 - 26.25
500 00014.75 - 23.25
Credit life insurance R/1000 per month
25 0002.58 - 4.50
50 0002.58 - 4.50
100 0002.58 - 4.50
250 0002.58 - 4.50
500 0002.58 - 4.50
Once-off initiation fee (R)
25 0001 207.50
50 0001 207.50
100 0001 207.50
250 0001 207.50
500 0001 207.50
Monthly service fee (R)
25 00069
50 00069
100 00069
250 00069
500 00069
Maximum Annual Percentage Rate (%)
25 00030.11 - 48.02
50 00020.65 - 38.39
100 00017.37 - 35.08
250 00016.95 - 32.31
500 00018.17 - 28.96
Monthly repayment (R)
25 0002 363 - 2 584
50 0002 479 - 2 923
100 0002 808 - 3 778
250 0005 412 - 7 679
500 00010 338 - 13 581
Total repayment (R)
25 00028 429 - 31 077
50 00059 559 - 70 216
100 000134 851 - 181 399
250 000389 724 - 552 974
500 000868 494 - 1 140 847
Please note that these are examples only. You can choose any term for your loan (up to 84 months)

Why choose a personal loan?



  • Get up to R500 000 over 84 months
  • Choose what works for you – the amount you want, the lowest monthly instalment or the lowest interest rate
  • Credit is approved in minutes and the money is available immediately
  • Pay fixed monthly repayments
  • Consolidate all your existing loans for easier monthly repayments
  • Add affordable credit insurance, including retrenchment and death cover
  • Manage your credit using our app

How to apply

Documents needed
  • Original ID document (must be 18 years or older)
  • Latest salary slip
  • A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)
Your offer is based on your affordability and credit profile
  • Your banking and credit history
  • Your income and expenses to see how much you can afford
  • You choose the credit amount that you want
  • You choose the monthly instalment that suits your cash flow or the option that gives you the best interest rate

Credit insurance

Credit insurance is required for all our personal loans to cover death, permanent or temporary disability, unemployment, the inability to earn an income or retrenchment.

What makes our credit insurance great

Unlike other insurance policies your premiums become lower over time. That’s because the monthly premium is calculated based on how much you owe on your loan. So the more you pay off on your loan, the lower your insurance payment becomes.

Read more about our credit insurance and easy claims process.